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Lenders consider construction a high-risk industry, which can make it tricky to get the financing your business needs. However, there are still loan options available to construction companies that can help your business grow, purchase equipment or materials or overcome short-term cash flow needs. The lenders on this list offer competitive rates, terms and loan amounts and welcome construction businesses.
Finder’s editorial experts review dozens of business loan providers before selecting the best lenders for construction companies and contractors. We pick lenders that have loan options for construction businesses, good customer service and competitive rates. We also review each company’s Better Business Bureau (BBB) reviews and Trustpilot ratings.
We weigh lenders and financing companies against these factors:
Finding the right construction loan starts with matching the type of financing to the problem you’re trying to solve — then comparing lenders to make sure you’re getting the best deal.
Start by narrowing down the right loan type:
Keep in mind: Construction is considered a higher-risk industry, so approval can be harder. Before you apply, double-check that your business meets the lender’s minimum requirements.
Once you’ve found the type of business loan you need and lenders that work with construction companies, compare these key factors to find the lender that offers the best terms.
Here’s a breakdown of the most common types of business loans, how much you can typically borrow and what they’re best for.
| Type | Typical loan amounts | Typical term lengths | Best for |
|---|---|---|---|
| SBA Loans | $13,000 to $5 million | Up to 25 years | Established businesses with decent credit that don’t qualify for other types of funding |
| Equipment financing | Up to 100% of the cost of the equipment | 3 to 10 years | Businesses that need heavy equipment or other expensive machinery |
| Term loans | Up to $5 million | 1 to 10 years | Businesses with good credit, looking for large loan amounts and predictable monthly payments |
| Business lines of credit | $2,000 to $250,000 | 6 months to 5 years | Businesses looking for immediate short-term funding or want a renewable lending source |
| Microloans | $500 to $50,000 | Up to 6 years | Startup businesses or women- or minority-owned firms |
| Invoice factoring | 70% to 90% of unpaid invoices | 1 to 3 months | Business-to-business (B2B) companies with a lot of outstanding invoices |
| Invoice financing | 70% to 80% of unpaid invoices | 1 to 3 months | B2B companies with a lot of outstanding invoices |
| Merchant cash advance | $5,000 to $200,000 | 3 to 12 months | Retail businesses or others that have a lot of credit card sales |
A construction business loan is the same as financing for other kinds of businesses, except the lender specifically works with owners in the construction industry. You might use one to purchase heavy equipment, move your office to a larger location or cover cash flow gaps during seasonally slow periods.
Not all lenders work with risky industries like construction, but you can still find them at banks, credit unions and online, with options for short or longer loan terms. And, like most types of financing, you’ll need to meet basic criteria such as minimum time-in-business, credit score and revenue requirements.
Consider these lenders that may have other options to finance your construction business.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Lenders typically look at your credit score, revenue and how long you’ve been in business. To get a construction business loan, you’ll need to meet or exceed the lender’s minimum criteria to qualify.
Researching and preparing for your loan application will give you the best chance at loan approval.
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